Doorstep loans from £100-£1,500
What is a doorstep loan?
Doorstep loans are a kind of quick personal loan that can be delivered to your door, or paid into your bank account.
If you need cash urgently for an unforeseen cost, then a doorstep loan could be the solution.
You could get a doorstep cash loan and pay it back in easy weekly instalments.
As the name suggests, local agents collect repayments from the doorstep of your home. You can now also manage doorstep loans online or over the phone.
Customers choose doorstep loans because they are so convenient.
They are usually for a small amount that can be paid off in months, rather than years. There’s no long-term commitment.
How do doorstep loans work?
Morses Club offer doorstep cash loans from £100 to £1,500, and the application can be completed in minutes.
Once you're approved, a friendly local Morses Club agent will then be in touch to finalise the details.
We'll assess your individual financial circumstances by speaking to you in person. And we need to make sure you understand how your doorstep loan works.
Repayments are usually collected in person from your home each week. You can also repay through our Customer App or over the phone.
You can receive your loan in cash, have it paid into your bank account or loaded on to a Morses Club Card.
How do I apply for a doorstep loan?
The doorstep loans application process is really simple. You can apply for a doorstep cash loan of £100 to £1,500 using our online application form.
You’ll get an initial decision in seconds.
Morses Club are one of the UK's leading doorstep lenders. We have branches and agents right across the UK – find out if there's one in your area.
Is a Morses Club loan right for me?
A Morses Club doorstep loan could be a good option if you need to borrow a small amount over a short period.
They are ideal if you're hit with an unexpected expense or emergency.
Our doorstep loans have a fixed interest rate, so you can see the full cost up front.
The current situation means that it's not always practical to see your agent in person, so there are now other ways that you can pay for and manage your loan.
Your agent can take payment over the phone, or the Morses Club Customer Service Team is available on 0330 0450719.
The Morses Club Customer App also allows you to make payments online.
Doorstep loan FAQs
Do I need to be a homeowner to apply for a doorstep loan?
No, you don’t need to own your home. We can help whether you are a homeowner or a private or housing association tenant.
Your doorstep loan can be tailored to your situation.
Does it matter if I have poor credit or CCJs?
As a responsible doorstep lender we try to help everyone, whatever their situation.
If you have County Court Judgements (CCJs) or a poor credit history you may still be considered for a doorstep cash loan.
As part of the process, we will undertake credit and affordability checks to assess your suitability.
Will I ever have to pay extra charges?
No, we don’t charge any missed or late payment fees.
If you are having difficulty making your doorstep loan repayments, your agent will work with you on an alternative payment plan.
Morses Club will always try to give you some extra breathing space if you need it.
How much can I apply for?
New customers can apply for a doorstep loan of between £100 and £400 and make repayments spread over 22 or 34 weeks.
Existing customers can apply for a loan up to £1,500 with the option to repay over 53 weeks.
Do I need a bank account to apply for a doorstep loan?
You may not need a bank account to apply for a doorstep loan. The money can also be given to you in cash or loaded on to a Morses Club Card.
You can also make your repayments in cash. We have to complete some credit and affordability checks and we may need to see evidence of your income and outgoings.
Do you offer doorstep loans for people on benefits?
You can apply for a doorstep cash loan if you are receiving benefits, but we can't guarantee that you will be approved.
We are a responsible doorstep lender, which means making sure we offer you the right products for your circumstances.
Can I get a doorstep loan if I am unemployed?
If you are unemployed, then a doorstep loan may not be the best option for you.
As responsible doorstep lenders, we must ensure that we are offering you the right product.
You may be able to get a doorstep loan, but if you don't have a steady or predictable income you could struggle to meet the repayments.
If you know that you will be unable to make repayments, you should not apply.
Can I apply for a doorstep loan without a credit check?
No. As part of our assessment, we need to carry out checks with a credit reference agency.
But a bad credit rating does not mean that you won't be approved for a doorstep loan. We will still consider you have a less-than-perfect credit history.